Wasatch County Home Buyer Market is almost over.

Are you a present Home Buyer Candidate? Have you been waiting for the perfect time to buy a home? Well your time is now, at no other time in recent memory has the real estate market been at a point where you had nothing to lose, and everything to gain. As a full-time Home Buyer Representative, I too like this kind of Home Buyer market. There are so many opportunities out there for my clients that I feel like a little kid in a candy store.

A Home Buyer market comes at a time when the supply of homes for sale exceeds the demand to buy those homes. The Home Buyer market can be a great opportunity to not only negotiate the price of a new home you want to buy, but it can also be a time for great interest rates, inspection costs, and closing cost opportunities. Everyone is trying to make the home buying process look attractive to you the Home Buyer. Even agents like myself are looking to go overboard to find the perfect opportunity for you and are willing to do whatever it takes to make your home buying experience the best ever.

Now is the time to ask for the terms and concessions that you need or want to facilitate your purchase. If you ask for what you want, you may get everything on your list and then some. Don’t be afraid to ask for something that you really don’t think would be possible, I have found many things recently that I was amazed, actually came about. Negotiation is a powerful way to buy a home on favorable terms, but don’t forget that the seller can nix the deal if he or she believes your demands are unreasonable. That is why it is important to discuss your needs, wants and negotiation strategies with your Realtor before you make an offer to purchase a home.

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Heber City Homes for Sale Foreclosures and record Bank Owned Listings 2012

It has come to my attention that many Utah Banks have been holding a large inventory of homes to be released early in 2012. Due to this excessive influx of bank owned homes, I anticipate a drastic decrease in Home selling prices.

What a great opportunity for all of my Heber City Home Buyers. Interest rates are hovering below 4% and this trend should continue throughout the coming months.

Banks are not in the business to hold onto an inventory of homes. They want to get rid of these homes yesterday. This makes for a great opportunity for you, the home buyer or investor, because most of these homes are well below market value. Once the bank owns the property they will handle eviction if any, take care of some repairs, pay past HOA and/or other maintenance dues, and then will negotiate with the IRS, removal of tax liens, if any.

How do Utah Banks sell REO’s (Real Estate owned by the Bank)

Most banks have an REO department that handles the sale of these properties. They certainly would like to get the best price of course. When you make an offer, the banks will usually make a counter offer. Don’t be surprised to get a higher counter offer than you might expect. Banks want to show their shareholders and investors that they are trying to get the highest possible price for the house. You should counter the counter offer. Your offer will likely be reviewed by an approval panel. Even after they accept your offer they include wordings like “subject to corporate approval”.

Condition of the Property

These homes are almost always sold “as is” with the right to inspect. You incur the inspection expenses (termite, general home inspection, mold, etc.). An inspection contingency period must be included in your offer that will allow you to terminate the sale if any of the inspection reveals damage that the bank will NOT correct.

Make sure you have someone representing you who understand this process, when you are trying to negotiate on a Bank owned property. It is important that you have someone who knows how to handle repairs and all the steps necessary for a smooth closing.

Homes available for Sale in WasatchCounty

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Heber City Homes for Sale – Choosing a Buyer’s Representative

When it’s time to buy a Heber City home, it’s also time to select a buyer’s agent to represent your interests in this all-important transaction. But how do you choose one? Here are some of the most significant issues to consider and questions to ask when interviewing your Accredited Buyer’s Representative.

Questions to ask:

Experience and Credentials

How long have you been a buyer’s agent? How long have you been an Accredited Buyer’s Representative? What other real estate designations or credentials do you hold?

References

Can you share the names and contact details for three past buyer-clients who can provide references?

Knowledge

What are your areas of specialized knowledge? Which types of housing or neighborhoods do you know best?

Representation

Please explain what representation choices I have as a buyer. What is meant by fiduciary duties? Do you practice dual representation?

Services Provided

Please explain how you will assist me at each stage of the transaction. Do you have a written buyer representation agreement that details our obligations to each other?

Compensation

How will you be compensated? If I hire you as my buyer’s agent will I be subjected to any additional costs in my transaction?

Finding Properties

Do you have full access to the Multiple Listing service (MLS)? Will you try to find suitable properties beyond the MLS?

Personal Support

Will you handle all aspects of my transaction, or will I be working with assistants? Who will be explaining the various forms, agreements and steps required to reach closing?

Negotiating

Will you counsel me on a negotiating strategy and appropriate contingencies? How will you package my offer to the seller? Will you personally present my offer?

Financing

Will you provide guidance on affordability, mortgage options and how to choose a lender? Why should I consider becoming pre-qualified or pre-approved on a mortgage?

Related Service-Providers

Can you provide referrals to providers of other services related to my transaction, including home inspectors, surveyors, movers, etc.?

Check out the IDX Websites with Homes for Sale in the following locations:

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Heber City Real Estate and Home Owner Insurance

Proof of a paid homeowner’s insurance policy is required at closing, so arrangements will have to be made before then. It is important to get an insurance agent involved early in the home buying process he can help you save money. Insurance agents are a great resource for tips on how to keep insurance premiums low and on information about home safety.

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Midway Real Estate Loan Origination and Discount Points

Origination points are a fee paid to the originating lender which is part of the profit margin for the services that they provide. Both are measured as a percentage of the loan amount and both are factored into the loans APR. Generally, points are deductible as long as the seller didn’t pay for them and origination fees are tax deductible provided they are expressed as a percentage.

Discount points enable you to lower your loans interest rate. They are basically prepaid interest, with each point equaling 1 % of the total loan amount. When you pay a point on a 30 year mortgage, you can lower your interest rate by .125 of a percentage point. When comparing loan rates, ask lenders for an interest rate with 0 points and then see how much the rate decreases with each point paid. Discount points are a good idea if you plan to stay in your home for some time since they will lower your monthly loan payment. Points are tax deductible when purchasing a home and sometimes you can negotiate with the seller to pay for some of them.

Check out the IDX Websites with Homes for Sale in the following locations:

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